0
Benefits0
Reward Categories—
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: sleep-number-visa-card
Issuer: Synchrony
Card Name: Sleep Number Visa® Credit Card
Card Type: Credit
Network: Visa
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony Bank offers eligible servicemembers and their dependents benefits under the Servicemembers Civil Relief Act (SCRA), including an interest rate reduction to 6% on eligible accounts opened before active duty start date.
Rewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: Sleep Number Rewards
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x Sleep Number Purchases, 2x Gas, 2x Groceries, 2x Restaurants
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 0x
Transfer Partners: N/A
Redemption Penalties: N/A
Benefits & Protections (Detailed)
No Card Benefits Available
Click "Get Data" button below to fetch card benefits for this card.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING$100
Cash BackRequirement: Spend $1,000 in 90 days
Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 0%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Financing: Deferred Interest
Promo Duration: 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: New cardholders may receive a one-time bonus, typically a percentage discount on a qualifying Sleep Number purchase or a statement credit after meeting a specified spending threshold within the first 90-180 days. This bonus is generally limited to one per lifetime per card product. Eligibility requires applicants to be at least 18 years old, a U.S. resident, possess a valid Social Security Number or ITIN, and have good to excellent credit history. Approval is subject to Synchrony's credit underwriting standards. Existing Synchrony cardholders may face additional scrutiny based on total credit exposure and recent application history.
Max Cards Per Issuer: 4
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not have specific 'card family' rules like some major issuers. However, approvals for new cards and credit limit increases are heavily influenced by an applicant's total credit exposure across all existing Synchrony accounts. Reaching a certain cumulative credit limit or having too many recent applications can trigger a 'cliff effect' where further credit is denied, regardless of individual card eligibility.
Special Events: Exclusive financing offers (e.g., 0% APR for X months on Sleep Number purchases), bonus points events (e.g., 5x points on Sleep Number purchases during specific periods), and special discounts for cardholders.
Holiday Promos: Black Friday/Cyber Monday, Presidents' Day, Memorial Day, Labor Day, 4th of July, and year-end holiday shopping season (November-December).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Users appreciate the special financing offers and rewards on Sleep Number purchases, making large purchases more manageable.
Top Negative:
Common complaints include high APRs, limited reward value outside of Sleep Number purchases, and occasional issues with customer service.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Synchrony HOME Credit Card
- Wells Fargo Active Cash Card
- Capital One QuicksilverOne Cash Rewards Credit Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $120.00
Approval Probability: 70.0%
Version Control
PENDINGVersion ID: January 2024